Belt Valley Bank

Belt Valley Bank is headquartered in Belt and is the 49^th largest bank in the state of Montana. It is also the 5,901^st largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 16 employees at 1 location. Belt Valley Bank has a 4-star health rating.

Belt Valley Bank Routing Number: 092905207

Belt Valley Bank CD Rates

Data for Q4 2011

Institution Statistics Belt Valley Bank FDIC Certificate # 15362 BankRate Report View Year Established 1936 Employees 16 Primary Regulator FED Assets and Liabilities Assets $66.11 million Loans $37.35 million Deposits $59.61 million Equity Capital $6.03 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $193,000 Historic Data - December 2010 Assets $65.13 million Equity Capital $5.51 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $3.48 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.59% Return on Equity 6.57% Interest Income $3.16 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Belt Valley Bank had $1.6 million in non-current loans and owned real-estate with $7.47 million in equity and loan loss allowances on hand to cover it. This gives Belt Valley Bank a Texas Ratio of 21.41% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Belt Valley Bank decreased significantly from 55.14% as of December 31, 2010 to 21.41% as of December 31, 2011, resulting in a positive change of 61.17%.This indicates that the balance sheet and financial strength for Belt Valley Bank has improved significantly in recent periods. Deposit Growth In the past year, Belt Valley Bank has increased its total deposits by $225,000, resulting in 0.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Belt Valley Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Belt Valley Bank has $66.11 million in assets with $7.47 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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